Hancock County
Habitat for Humanity
PO Box 343
430 Water Street
Ellsworth, ME 04605
Phone: 207 667-8484
Fax: 207 667-3082
hchh@downeast.net
Board of Directors
Linda Kelley
President
Julie Tilden
Vice President
Nancy Sawyer
Treasurer
Susan McKay
Secretary
Todd Ewing
Michael Jordan
Terry Towne
Duane Bartlett
Joseph Taylor
Kathy Kief
Tim King
Frank Donnelley
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Need...
You will be considered for a Habitat home if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include problems with the present structure: water, electrical, or sewage service systems; heating systems; or failure to meet city property maintenance standards. Also taken into consideration are the number, the ages, and the sex of chidren compared to the number of bedrooms in your home.
The percentage of your monthly income that you currently spend on housing is considered to determine need. You will be required to openly and fully discuss your financial situation with a Habitat interviewer.
Income...
To be selected for a Habitat house, a family should have enough income to pay the taxes, utilities, insurance and upkeep costs as well as the no-interest mortgage payments. The yearly minimum income required is 30% and not over 50% of the Hancock County median family income using HUD figures. Families who earn enough to qualify for a home loan (mortgage) from a bank are not qualified for a Habitat house. The most a family can earn and still be approved for a Habitat house increases with the size of the family.
Ability to Pay...
Since you will actually be buying your home from Habitat with an interest-free mortgage provided by Habitat, you must demonstrate your ability to make the monthly payment. This payment will include an amount for mortgage payment and also for real estate taxes and homeowners insurance. We will help you to determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses. We can also help you if you need to develop a budget to determine your eligibility.
Willingness to Partner...
When selected, you become a "partner family" with Habitat. Every Habitat house is paid for in two ways. First, through "sweat equity". Affiliates must require no less than 200 hours of sweat equity per household, including 100 hours in construction with appropriate accommodations made for partners with physical limitations in accordance with the Americans with Disabilities Act (ADA); and secondly, through their monthly mortgage payments.
You will be responsible for maintenance and repairs of your house from the time you move into your home.
After moving into your home, the Family Support committee will maintain an on-going relationship with you. This includes financial counseling and household maintenance and operation education.
If you are in need or know someone in need of simple, decent housing, contact us. We are ready to help those who are willing to help themselves.
For an application please call: (207) 667-8484 or email hchh@downeast.net
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